The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,588
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,793
−HK$209/mo
Today · 4.125%
HK$7,002
baseline
▲ 0.50% · 4.625%
HK$7,428
+HK$426/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$14,004/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,329
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,526
−HK$199/mo
Today · 4.125%
HK$7,725
baseline
▲ 0.50% · 4.625%
HK$8,133
+HK$408/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,450/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,906
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,152
−HK$250/mo
Today · 4.125%
HK$8,402
baseline
▲ 0.50% · 4.625%
HK$8,913
+HK$511/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$16,804/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,795
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,031
−HK$240/mo
Today · 4.125%
HK$9,271
baseline
▲ 0.50% · 4.625%
HK$9,759
+HK$488/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$18,542/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,224
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,511
−HK$291/mo
Today · 4.125%
HK$9,802
baseline
▲ 0.50% · 4.625%
HK$10,399
+HK$597/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$19,604/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,261
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,536
−HK$280/mo
Today · 4.125%
HK$10,816
baseline
▲ 0.50% · 4.625%
HK$11,386
+HK$570/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$21,632/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,859
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,228
−HK$375/mo
Today · 4.125%
HK$12,603
baseline
▲ 0.50% · 4.625%
HK$13,370
+HK$767/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,206/mo (50% DSR)
Upfront cash ≈ HK$289K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,193
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,547
−HK$359/mo
Today · 4.125%
HK$13,906
baseline
▲ 0.50% · 4.625%
HK$14,639
+HK$733/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,812/mo (50% DSR)
Upfront cash ≈ HK$289K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).